Almost all coaches do choreography for their low level students. But a national level skater needs a professional choreographer. Skaters recognize the old adage that you are a fool to choreograph for yourself. You can't see yourself like someone else can see you.
Top choreographers are almost always a five figure fee.

Given some of the rubbish Lori Nichol has produced recently? Yeah, I'd believe that that was the program as she gave it to him. (Some of it was a blatant copy-paste from the Carmen she did for Lysacek.) Thanks goodness he's not going back for more rubbish.

Urgh. Lysacek's Carmen. I don't know what he was interpreting, but it sure as heck wasn't Carmen.

Skaters should be required to do their own choreography? While I've contemplated the possibility before, I can't agree with making it a requirement. Skaters aren't required to learn jumps, spins, or footwork on their own. Should we make that a requirement, since some can afford good coaches while others can't? How do we know if the best jumpers achieved their success with their own talent and effort, or if they "lucked out" getting a coach that taught them good technique? How do we know if people came up with innovative spin positions on their own, or if they got good advice?

Where do we draw the line, anyway? Do they have to do their choreography in a locked room, with no one seeing it, no one giving advice? And once they debut it in the beginning of the season, and their coaches give them advice on what to change... does that count as cheating? Should we ban everybody then, because choreography doesn't exist in a vacuum--somebody's going to make suggestions even to a program that's self-choreographed. And if it has a lot of issues--which it likely does--people will give a lot of advice and create lots of tweaks.

Doesn't make sense and is impossible to enforce, imo. And as Papagena said, skaters are interpreters. (This is why, for me, how well you execute your program is more important than the program itself).

What I would like to see is having more choreographers in business. I got bored hearing Lori Nichol, Lori Nichol, all the time, at the Olympics.